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Author: agentinsure

Do I need commercial insurance in South Carolina?

Posted on by agentinsure

The Spartanburg, SC is a great community to live in or even start a business. If you are going to start a business in this area of South Carolina, you will need to make sure that you get proper insurance. There are several reasons why you may need to get a commercial insurance policy when you are here. 

Insurance is Required by Stakeholders

Many different types of stakeholders, including lenders, landlords, and investors, will want you to have coverage. This insurance protection can help to keep your company viable and solvent if a bad situation arises. Due to this value, any stakeholder will want to ensure that you carry this coverage at all times. 

Ensures Acceptability By Customers

Another reason that you may need to have commercial insurance is that it can make you a more attractive option to potential customers. Depending on the product or service that you sell, your customers may be relying heavily on your expertise. In the event that you make a mistake, it could lead to further costs for the customer. Due to this, a customer will always want to ensure that you have proper business insurance. If you do not, you may have a hard time qualifying for certain jobs. 

There are clearly many situations when you will need to have commercial insurance for your Spartanburg, SC area business. When you are looking for your next policy, it would be a good idea to reach out to the team at Allsurance Group. At the Allsurance Group, you will know that you are in good hands. The team here is able to answer any questions that you may have, which could ensure you are able to choose a policy that will offer the right type and level of coverage. 

Dangers of Compromising on Auto Insurance Coverage

Posted on by agentinsure

Car owners in Spartanburg, SC are required to have auto insurance protection against accidents on the road. If you’re on a budget, you may be tempted to skimp on your coverage to save on premium costs. Compromising on your auto insurance can be costly over the long haul. By working with Allsurance Group, you can obtain quality coverage at affordable costs. Here’s why it’s important to get quality auto insurance coverage in Spartanburg, SC.

Covers Your Vehicle’s Repair Costs  

The right auto insurance coverage will help pay for your vehicle repairs in the event of an accident. A major accident can cause extensive damage to a vehicle or even result in total loss. Inadequate coverage could result in your paying for these damages out of pocket. In contrast, purchasing collision, comprehensive and uninsured motorist coverage will ensure you’re compensated for theft, collision damage, non-collision damage and damage caused by uninsured drivers.

Covers Liability Claims and Lawsuits

Liability insurance pays for injuries or damages you cause others in accidents that are your fault. Compromising on this coverage could result in your paying thousands of dollars’ worth of medical expenses or property damage out of pocket. If you’re sued for damages due to a serious accident, liability insurance protects your financial assets by covering your legal fees and settlement, up to the limits of your policy.  

Meets Auto Insurance Requirements

South Carolina requires that you have the minimum liability insurance required by law. Skimping on this coverage can not only be costly financially, but you also risk having your license suspended due to not complying with auto insurance requirements.

At Allsurance Group, we offer quality auto insurance coverage at reasonable prices to enable you to get the protection you need without breaking your budget. Call or visit us today for all your auto insurance needs.

What First Time Home Buyers Need to Know About Home Insurance

Posted on by agentinsure

Buying your first home is an exciting step to take in life. Among all of the hustle and bustle of setting up your first home and moving, there are also important insurance questions that need to be answered. At Allsurance Group, serving Spartanburg, SC, we would like to help you navigate these insurance waters. Keep reading to find out what first time home buyers need to know about home insurance. 

Why is Home Insurance Important?

Your home will probably be one of, if not the biggest investment you will make during your life. Beyond the financial aspect of this investment, your house will also hold great sentimental value as it will be the place your family will call home. This carries with it a certain sense of security that money cannot replace. For these reasons, you want to make sure that your home is properly covered. 

Another important aspect of home owner’s insurance is the fact that most mortgage companies require that a home have adequate insurance in order to finalize the mortgage arrangement. 

What Does Home Insurance Cover?

Home insurance can be customized for your individual needs, but for the most part, home insurance will cover the following general areas:

Property Damage: This is the most commonly understood aspect of homeowner’s insurance. Property damage coverage will kick in if your home is lost or damaged due to fire, natural disaster, or burglary. The policy will help pay for the repair or replacement of your home. This not only protects your financial security in the event of losing your home but also offers an important sense of security knowing that you will always have a place to call home. 

Liability Coverage: Liability coverage will help pay if someone is injured in your home or on your property. This is important because, without this coverage, you could be left liable for expensive medical bills or even legal fees if someone is injured. 

If you would like to learn more about home insurance, please contact our staff at Allsurance Group serving Spartanburg, SC. 

Commercial Insurance Options for Spartanburg, SC Business Owners

Posted on by agentinsure

Operating a business in Spartanburg, SC without commercial insurance is not an option. If you are a business owner is Spartanburg, you are required to have commercial insurance. The two primary commercial insurance coverages for your business are general liability and commercial auto. Whether you are starting a brand new business or interested in adding extra coverage for your current business, Allsurance Group can help.

General Liability Insurance

General liability insurance is essential because it covers and protects your business from common risks, such as injuries and property damage. This type of insurance is ideal for businesses that are more likely to:

  • Experience customer injuries
  • Endure slander and libel lawsuits
  • Have damaged customer property

Commercial Auto Insurance

The state of South Carolina requires you to have an active commercial auto insurance policy for all vehicles you use for business purposes. This type of insurance covers car accidents, property damage, theft, and a variety of other instances. 

Workers’ Compensation Insurance

Workers’ compensation insurance, or workers’ comp., is great for all businesses. This type of insurance helps your company and your employees if they are injured on the job. Workers’ compensation insurance helps with employee medical expenses, missed wages, and employee injury lawsuits.

The Allsurance Group is happy to help you with your insurance needs. We provide our reliable insurance solutions to Spartanburg, SC and surrounding areas. We know that obtaining adequate insurance can be difficult when it comes to the terms and coverage amounts. Let Allsurance Group help you with your insurance needs. Don’t let your business be susceptible to avoidable mishaps and errors. Contact us today so we can help you obtain a commercial insurance policy that works best for your business.

How to Stay Safe on Your Summer Road Trip

Posted on by agentinsure

If you’re planning to explore the beautiful state of SC this summer, you won’t be alone. Summer’s a time when people just naturally hit the road, making summer driving a challenge. These safety tips from Allsurance Group can reduce stress and accidents on SC highways. 

Plan Your Travels

Make a road trip plan that includes the routes you want to travel and the sites you want to stop and visit along the way. Book your campsite or hotels in advance so you’re not left stranded due to a lack of accommodations. When possible, avoid traveling on national holidays when roads are congested and hazardous for driving.

Do Routine Maintenance on your Car

Have your car serviced before your travels, making sure your mechanic checks the fluids, brakes, battery, tires, lights, and wipers. You don’t want to risk having a breakdown when you’re far from your Spartanburg SC home.  

Stay Focused When Driving

Stay focused on the road when driving. Turn off your phone or store it in the back where you’re not tempted to check texts or answer calls on the road. Take regular breaks and share the driving with others, when possible, to avoid driving tired. Drive defensively, watch out for motorcyclists, and be considerate of other drivers. 

Protect Your Car & Belongings

When stopping for meals or breaks, lock your car, and safeguard your belongings to discourage thieves from making you a target. 

Review Your Auto Insurance   

Make sure you have the insurance protection you need for road trip travels. Liability coverage is required by law to protect others in accidents that are your fault. By including collision, comprehensive, and uninsured motorist protection to your policy, you’ll have well-rounded coverage.

Contact Allsurance Group today for the auto insurance you need for summer travels.  We serve residents in Spartanburg, SC, and surrounding communities.

What is a home inventory and why do I need one

Posted on by agentinsure

Life is unpredictable. Things can be going along just great and out of the blue, you are hit with something unexpected. That is why people have insurance, for the unexpected moments in life. Home insurance is there to protect you and your home against hazards that can damage or destroy it. Filing a claim is always stressful and it is at a time like this when a home inventory can take away some of the stress. At Allsurance Group in Spartanburg, SC, the experienced team can help you to understand how to get through a difficult time. 

A home inventory is a listing of all the items that you own. You may ask "why do I need to write this down, I know what I own". Most people would respond in that way but think about this, off the top of your head try to write down everything that is in your bedroom closet or your linen closet. Then take what you wrote and compare it to what is actually there. You will be surprised when you compare the list to the actual content. Then try to imagine needing to name the brand of things and when purchased. 

When you think about the number of items that you own, it can be overwhelming. By taking the time and inventorying everything you will save yourself a huge headache when it comes time to file a claim for a loss. With electronics and appliances write down brand names and models and included an invoice if you have it or where and when purchased.  Your claim will go much more smoothly and quickly if you have this ready to hand over with your claim. 

When you are ready to review your home insurance or are looking for a new policy call or stop by the office of Allsurance Group in Spartanburg, SC. 

Is Commercial Insurance Legally Mandated?

Posted on by agentinsure

If you run a business, you’re not legally required to carry any form of commercial insurance.

That doesn’t mean you can skip it. It only means that it’s not the law telling you that your Spartanburg, SC business needs to carry insurance.

The law mandates liability coverage for drivers because we put everyone else’s safety in our own hands when we go out on the road. When you’re running a business, there are risks, but those risks are rarely as dramatic as the risks that we take on the road. So, legally, businesses are generally allowed to buy, or not buy, insurance at their own discretion.

That said, you may find yourself in any number of situations where insurance is a requisite. If you work as a general contractor, for example, and you’re competing against another contractor for a job, nine times out of ten, the client is going to go with the fully licensed, bonded, and insured contractor. If you’re partnering up with another company in your industry, they may insist that you get fully covered before going forward so that they don’t have to share in your own unprotected liability.

Legally, the only insurance your business is required to carry is going to be on any commercial autos your company operates. But necessity doesn’t begin and end at the letter of the law. Just because you won’t face fines or jail time for going without insurance doesn’t mean you won’t pay for it in the long run.

If you’re looking to get your Spartanburg, SC company insured, get in touch with Allsurance Group. Allsurance Group can get you the coverage that you need to run a safe, successful business.

Why You Should Add Your Teenage Driver To Your Auto Insurance Policy

Posted on by agentinsure

At Allsurance Group in Spartanburg, SC, we usually give our clients reasons why they should add their teenage drivers to their auto insurance policy. If you also have a teenage driver in your household, you may want to do the same because of the reasons given below.

1.    It is mandatory

In South Carolina, it is mandatory for every driver to be insured regardless of their age because they’ll pose a serious risk to other road users if they are not insured. So, once your child starts taking his driving lessons, you should start making plans to add him to your policy.

2.    It is more cost-effective

It will definitely cost you less than buying a separate insurance policy for him. Insurers believe that teenage drivers are riskier to insure. Furthermore, it has been established that auto accidents are the leading cause of death of teens within the age bracket of 15 and 19. 

So, it will cost you a lot of money to purchase a separate policy for your son. You’ll be paying your premium and you’ll also pay the premium for your teenage driver. This could put a strain on your income. That’s why we feel that it will be cheaper for you to add him to your policy.

3.    What happens if they are involved in an accident?

If your uninsured teenage driver crashes your car, injuring other motorists, and damaging his car, your insurer may not pay you a dime because you didn’t include him in your policy. In fact, they may accuse you of committing fraud. In such a situation, you may have to fix the third party’s car and foot his medical bills out of your pocket. 

Remember, you still have to fix your own car and take care of your son if he’s injured. The point here is that a single crash from your uninsured teenage driver could plunge you into debt. Don’t let the high cost of insuring teenage drivers prevent you from adding your son to your policy. See us at Allsurance Group in Spartanburg, SC, and we’ll give you tips on how to reduce the cost. 

4 Ways to Prepare Your Car For the Spring

Posted on by agentinsure

The transition of winter to spring in South Carolina is a beautiful one from one side of the state to the other. At Allsurance Group in Spartanburg, SC, we want our auto insurance customers to be prepared for the changing weather and prepare their cars for the approaching changes. 

Tire Inspection

As the warmer weather comes to South Carolina, the pressure will start to change. This pressure will alter the pressure in your tires and will need to be replenished. Have your tires inspected to ensure that they have the appropriate pressure levels. During this inspection, the technician should also inspect the tire tread and ensure that your tires are wearing evenly. 

Change Your Cabin Air Filter

Whether you are in Spartanburg SC or other parts of the state, the beginning of spring means that you can expect a thick yellow layer of pollen for several weeks. Before your favorite trees and flowers start to blossom, make sure that you have a new cabin air filter to keep the pollen from coming into the cabin of your car while driving. 

Check Your Air Conditioning

Because spring in the Palmetto state is very warm, it is essential to ensure that your air conditioning is ready for the rising temperatures. Have the system inspected and ensure that it is in working order to keep your cabin cool while you are traveling. Have your AC recharged to get the coldest air and your radiator inspected for leaks. Every two years, you should flush your radiator and have it filled with the proper solution of coolant and water to make sure that it is properly operating. 

Call us today!

If you are looking for auto insurance around Spartanburg SC, you can give our team at Allsurance Group a call or visit our online rating tool for your personalized policy quote. 

Does Home Insurance Cover Damaged Personal Items?

Posted on by agentinsure

Home insurance is necessary to protect the things we value and our investments. After all, a home is one of the highest dollar purchases we make in our lifetimes. In order to protect our interests, and comply with any financing obligations, a certain amount of home insurance is necessary, but does it cover our personal items inside the home?

What Is Covered?

You may know what the deductible for the home insurance is, and likely what events are covered, but do you know if your personal items are covered? In most cases, you will need contents coverage to protect major appliances and items of significant value that can be appraised or verified. When it comes to clothing and other personal items, they are usually not covered. If you are unsure what your current policy covers or you are shopping for a home insurance policy, be sure to work with an experienced agent.

Working With Your Agent

One of the best ways to protect your home is to work with an agent who knows the ins and outs of home insurance. They can help you identify your current and future coverage needs. Additionally, they can match you with a variety of policies that you can choose from. They explain all of the fine print and the terms and conditions before the purchase so you can be an informed buyer. If you are living in or near the Spartanburg SC area, you can depend on the agents at Allsurance Group to give you the personalized service you need to get great coverage. 

Don’t take chances on insurance without the assistance of Allsurance Group, serving Spartanburg, SC, because they can match you with the ideal policy to give you peace of mind. Call or stop by the office today to learn more.